Do I need a separate trailer insurance policy when pulling it with my car or truck?

In order for you to be best protected, it is always recommended that you carry a separate trailer insurance policy. Because of the countless situations that may occur with a trailer, it is not entirely possible to say that your auto insurance policy will provide liability protection if your trailer causes damages or personal injury.

Common Trailer Types Include:

  • Conventional Trailer: The most common type of travel trailer between 12-40 feet.
  • Fifth Wheel Trailer: Attached to a vehicle using a hitch in the bed of the tow vehicle.
  • Pop-up Tent Trailer: Collapsible trailer used for camping & recreation.
  • Truck Camper: Mounted in the bed of the truck with an over-cab area for sleeping.
  • Horse Trailer: Trailer used primarily to haul horses.
  • Toy Hauler: An RV type trailer with living space as well as ability to haul ATVs or Motorcycles.
  • Cargo or Utility Trailers: Small trailers used for moving or landscape jobs odd jobs.

What types of coverage should I have for my Recreational Trailer, Camper or other trailers?

Liability insurance may be provided to your trailer while it is attached to your vehicle. Check with your agent to see if your insurance company provides coverage while the trailer is in use and attached to your vehicle.

It is always recommended to have a separate trailer insurance policy to avoid any gaps in insurance coverage and trailer insurance is typically inexpensive. Some common options include:

Comprehensive Coverage: Can provide coverage for your trailer if it catches on fire, is vandalized or damaged by severe weather.

Collision Coverage: Can provide coverage if your trailer is damaged by you while being towed, or while unattended and parked.

Liability Insurance: Can provide coverage for injuries or property damage caused by you. Many companies will have “liability follow the tow vehicle” for trailers since trailers can’t drive themselves.

Optional coverages to discuss with your agent include:

  • Roadside Assistance
  • Total Loss Replacement
  • Replacement cost/personal effects
  • Vacation Liability
  • Full timer’s Liability

& many more!

Exploring the country in a trailer or just going camping on the weekend can be great fun. Be sure that before you leave you talk to your licensed insurance agent about insuring your trailer correctly to avoid any surprises.

All of your Renters Insurance Questions Answered!

Renters insurance is a great thing to have if you’re not a homeowner. We’ll answer the top questions we get about renters insurance below.

How Much Is Renters Insurance Per Month?

The cost of renters insurance can vary depending on what your coverage limits are and what you want covered. It can also vary because of your credit score or previous loss history. In general, a policy with average limits with clean credit and no loss history will run you about $15-25 a month.

What Is The Best Renters Insurance Policy?

The best renters insurance policy is a policy that provides you the best coverage at a price that you’re comfortable with.

Should I Get Renters Insurance?

Everyone should carry renters insurance if they rent a home or apartment. Renters insurance covers more than just your things. It provides you with a liability insurance policy to protect your assets. Renters insurance will protect you with coverage from theft and fires too.

Is Renters Insurance Worth It?

If you’re a renter, getting a renters insurance policy is always worth it. At less than a dollar a day, it is an affordable insurance policy that protects you and your assets.

What Does Renters Insurance Cover?

Renters insurance covers a variety of things from your personal items like your computer and couch to your clothes. It also provides you with liability protection in the event you are found liable for injuries to others you’re found liable for as well as provides you with temporary living expenses if your home becomes uninhabitable for periods of time.

Can a Landlord Require Renters Insurance?

Yes, landlords can require you to carry a renters insurance policy. Many renters assume their landlord’s insurance policy will cover their personal items in the event of a loss, but that is not true.

Can I Use My Roommate’s Renter’s Insurance Policy?

No, roommates are specifically excluded from renters insurance policies unless they are listed on the policy by name. Roommates are excluded from coverage for personal property, loss of use and liability coverage.

We always recommend a renters insurance policy. If you have questions about your renters insurance or would like to get a renters insurance quote, please contact us.

Does my Auto Insurance Cover Mechanical Repairs?

The cost of repairing or replacing a transmission or engine in a car can be daunting. Many people wonder what exactly is covered by an auto insurance policy. Does an auto insurance policy cover things like transmission repairs, tires, faulty wiring or worn suspension parts?

In short, no, an auto insurance policy will not pay to repair wear and tear items on your vehicle. The only time some items may be covered are when they are damaged as a direct results of a covered loss such as a collision.

Insurance is not designed to repair damaged or worn parts due to normal wear and tear of your vehicle. There is no coverage for things like mechanical failures or maintenance.

So, what options are there to cover these items? When you purchase a vehicle, some dealers offer extended warranty coverage. These warranty policies essentially extend the manufacturer warranty of newer vehicles. This is the type of insurance program that would provide coverage for things like mechanical breakdown of your transmission or engine parts.

If you have questions about car insurance, contact our agency. There are an overwhelming number of choices for car insurance out there, don’t stress! Let the professionals at Heuer Insurance Agency gather quotes from several insurance carriers, presenting you with the best options for your budget and needs! Our agents are here to help guide you through rate comparisons, discounts, flexible payment options and they may have some money-saving tips as well. Get your quote today!

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Heuer Insurance Agency’s July Newsletter

Letter from Heuer

As I sat here this morning working the emails that had come in over the weekend I overheard a conversation out in the office and it really made me sit back and think. How can it be July 1st already?! I swear the years are getting shorter and shorter.  It seems as if time is more valuable than ever and we continually get less of it. That said, we will be adjusting our hours for the upcoming Holiday weekend in order to spend a little more quality time with our families and friends.

In observance of the upcoming Holiday we will be closed Thursday, July 4th and open from 9:00am – 4:00pm on July 5th. Should you need to contact us while we are our closed I invite you to visit our website where you will find self-service options that should get you by until we are able to help you. We hope you enjoy a safe and happy Independence Day weekend.

 

 

Adam and Larry were a featured story on the Someone to Know segment on KTVN Channel 2. Here’s a link in case you missed it. This was a great opportunity to reflect back on just how special it is to be a 4th generation locally owned and operated company. Check out the feature here:
https://www.ktvn.com/story/40605435/someone-2-know-adam-heuer

Industry 101

It might surprise you to know that an unendorsed homeowner policy has limits of coverage for theft of certain types of personal items such as jewelry, watches, furs, and firearms. Coverage for items like coins and stamps can be limited to a special limit of coverage no matter what the cause of damage is.

A common limit for theft of jewelry, watches, furs, precious and semi-precious stones on a homeowners policy is $1,500. Not to mention, your policy deductible would apply to this type of loss. If you misplace those items as opposed to a loss by theft, you may not be covered at all under your normal insurance coverage.

No need to worry though, different types of additional coverages are available. Many carriers offer endorsements that will increase the limit of coverage for losses to jewelry, money, firearms, furs, and more. Other additional coverages are available for purchase to cover a particular item on your policy at a specific amount. This type of coverage is called a scheduled personal articles endorsement.  A personal articles schedule provides broader coverage and in most cases does not include a deductible.

Here are some steps to make sure your valuables are properly insured in the New Year:
• Take inventory of your belongings. Make a list of valuable items that you have and make sure items you no longer own are not on your policy if you have an existing scheduled property endorsement. Be sure to determine the current value of your items.
• Discuss with your agent what types of additional coverage may be right for you. Your independent agent may require an appraisal for some items. This ensures that there is no discrepancy in the value or replacement cost of the property.
• Consider coverage for items such as electronics, musical instruments, and artwork. Cell phones, laptops, cameras, and many other types of property can be insured on a personal articles coverage endorsement.
If you experience a loss, additional coverage for certain property items can save you a lot of trouble in the long run. The more accurate and updated your policy and coverages are, the easier it is for your claims to be handled quickly and efficiently.

How Do I Protect My Assets?

You’ve worked hard for your assets. Whether it’s purchasing your home, an investment property or vehicle or saving for retirement, it has taken years and years of consistent hard work to build what you have. Did you also know that your future income can be considered an asset too? So, how can you protect your assets?

By purchasing an umbrella insurance policy.

But, I have insurance for my home and vehicles? Yes, we need insurance for our car and home. But, there are limits on how much you are protected. For example, you get into a car accident where you are at fault. Your insurance policy covers you for $250,000 in 3rd party damages. However, the other individuals in the car accident needed medical attention & their car was totaled. The total damages for the other party cost $350,000.

You are responsible for the remaining $100,000. If you have an umbrella insurance policy, it would then kick in to cover this excess liability. If you don’t have an umbrella policy, would you be able to foot the bill? If you cannot pay for the remaining balance, a court may issue your future wages to be garnished or they may target your other assets.

Would you prefer to rest easy knowing you have an extra layer of insurance coverage to protect your assets?

There are countless ways to exceed the limits of your home or auto insurance policy. Get peace of mind with an umbrella insurance policy. It eliminates the gaps and insufficient limits on your insurance policies. You’ll be amazed at how affordable coverage can be.

Four levels of protection:

By purchasing an umbrella policy, you increase the limits of liability on:

  • Bodily injury: Medical bills and settlement for injuries sustained to the third party.
  • Property damage: Damages sustained to the property of a third-party.
  • Other damage: Libel & slander, other claims expenses.
  • Legal fees: Hiring an attorney can be expensive. An umbrella insurance policy helps cover the cost.

If you have questions about purchasing a personal umbrella insurance policy, contact our agency! Our licensed agents can go over coverage options or simply provide a free quote.

Essentials to Pack for Your Road Trip This Summer

Oh, the great American road trip. Whether you are driving across the country, making a trip to visit our beautiful National Parks or simply just exploring different areas in your state, it is important to pack the right items on your road trip.

Basic safety and materials to have:

While you should always store papers like a copy of your car insurance and license and registration in your vehicle, you should also carry a first aid kit and a roadside emergency kit.

Other items:

  • Flashlight
  • Spare tire with useful tools+ make sure someone in the car knows how to change it
  • Owner’s Manual

Personal Items to pack:

It’s really nice and sometimes imperative to have the following items packed.

  • Sunglasses
  • Sunscreen
  • Water bottle
  • Car Phone Charger
  • Hand sanitizer or wipes
  • Car cooler with snacks
  • Popular road trip snacks: sunflower seeds, trail mix, jerky, hard candy or suckers or granola bars. Mints and gum are great too.
  • Anti-inflammatory medication
  • UV window shade
  • Thermos
  • Blanket or pillow
  • Cash
  • Lip Balm/ChapStick
  • Notebook, pen or pencil
  • Napkins or a roll of paper towels. A roll of toilet paper doesn’t hurt either!

Consider a Roadside Assistance Policy

Roadside Assistance can be added to your car insurance policy and is available from most insurance companies. It can also act as a standalone insurance policy. Roadside assistance can help you if you become stranded from a variety of things including but not limited to:

  1. Flat Tires
  2. Dead Battery
  3. Run Out of Gas
  4. Lock Yourself Out or Lose Your Keys
  5. Disabled Vehicle
  6. Towing if Vehicle Can’t Be Repaired Quickly
  7. Winching if stuck in mud, snow or sand

We hope your summer road trip is a blast and that this article helps you prepare for your trip as well as stay safe on the road. If you have questions about your insurance, contact us before you leave!

I’m planning on doing an AirBnB at my home. What do I need to know?

More and more people are taking advantage of the extra income they can make by doing an AirBnB, VRBO or other rental out of their homes. This is a great way to save money for college, pay off your mortgage, pay for a remodel or just make extra money for your savings. But, before you commit and jump into it, consider the risks associated with being a landlord.

Short-term vacation rental properties such as AirBnB, VRBO, HomeAway and others require special insurance. Regardless of whether it is just a room in your house, a trailer or even a separate house, be sure you match your insurance policy to the risk you’re taking on. Believe it or not, you’re a landlord.

Doesn’t AirBnb or VRBO Provide Insurance?

Yes, they do provide liability and property damage protection for third-party claims when they are booked through the AirBnB website. However, you are only protected up to their liability limits. Like many types of insurance policies, there can be gaps that are created.

Example 1: You become chummy with a previous house guest that booked through AirBnB. You exchange numbers and they text you to book a stay instead of booking through the AirBnB website. During the stay, they’re injured. Because they didn’t book through the website, you’re on the hook for the liability.

Example 2: You use Craigslist to get renters into your short-term rental because there is a big local music festival and it will be easy to rent it out for more money during this time. The renter trashes your property and because of repairs, you can’t rent out the property for months. You lose out on income.

Example 3: An excessively bad bodily injury occurs on your property. The medical bills exceed what the short term vacation rental company provides in insurance coverage. You are stuck with the remaining balance of the medical bills.

It’s common to want to make some extra cash from your short-term vacation rental, but we want it to be a safe endeavor for you. By calling an agent in our office, we can help you eliminate the gaps that exist with insurance that may be provided and get you a policy that is the perfect match for you and your family.

We adopted the Vista View Park in Sparks

Heuer Insurance Agency is proud to support our community. Through the City of Sparks, we have adopted the Vista View Park located at D’Andrea Pkwy. The Heuer team helped with general park clean up in June. In addition to general park clean up, our team will assist in weed control, painting and playground maintenance.

If you are interested in adopting a park, please visit: https://cityofsparks.us/resources/culture-recreation/outdoors/parks-community-facilities/

 

 

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Heuer Insurance Agency’s June Newsletter

Greetings

We have had a lot going on the past few months and have struggled a bit to be consistent with our newsletter. We apologize for that and will strive to do better. Things here at the Agency continue to progress with our focus this year being automation. We are working hard on new ways to bring value to our clients while providing the same outstanding customer service you are accustomed to. Most of the changes will be ones you don’t see but on the back end will provide us with a more efficient way to service your accounts. We recognize that time is valuable and we want your interactions with our office to be as quick and efficient as possible. There will be more on this later. 

 

Industry 101

Wow it’s hot and dry out now… what a drastic change from the past few weeks. With all that rain we are sure to have an active fire season. We’ve talked in the past about defensible space between your house and flammable bushes, trees, or weeds and how important it is to keep your yard free of this overgrowth. Now is the perfect time to give your property a hard look again. Are you ready in case a wildfire gets too close to your house?   Besides the whole defensible space conversation, here are “Ten Tips for Wildfire Safety” in the event a fire is coming your way.
    1). Turn a light on in each room
    2). Close all windows, doors and fireplace dampers
    3). Remove curtains and flammable materials from windows
    4). Turn off all pilot lights and shut off propane tanks and natural gas
    5). Seal attic and ground vents
    6). Place outside furniture inside
    7). Prop a ladder against the house for easy access to roof
    8). Connect garden hoses to outside taps
    9). Wet the roof and shrubs within 15 feet of all structures
  10). Continually check the roof, attic and yard for embers, smoke and fire for at least 12 hours

In the event of a loss, call us as soon as possible!   And good luck!

 

Anniversary Corner

Rhonda celebrated her 7th year with Heuer Insurance on May 29th. Rhonda is a true professional when it comes to Personal Lines Insurance and we are incredibly lucky to have her on our team. Thank you Rhonda!

 

Employee Spotlight

It’s with great pleasure (and some sadness) that after 41 glorious years Debi has decided to retire. Fortunately, she has agreed to transition out slowly and will be working 2 days a week for the foreseeable future. This email would be far too long if I took the time to list out all of the great things Debi has done for the Agency over the years. The Heuer Insurance Agency will be forever grateful for the years of hard work, dedication and loyalty that Debi given us all these years.

Debi – we wish you a long and happy retirement!

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Don’t Settle For Cheap Boat Insurance – 3 Coverages to Consider

With summer upon us, many of you will be getting your boats out or maybe even buying a new one. When it comes to insuring your boat, you don’t want a policy that is the least expensive – you want the right coverage. Boating season is so much fun and being on the water carries a certain risk. When you’re shopping for boat insurance, be sure that your policy includes three specific, and sometimes optional coverages:

  1. On-Water Towing: If you’re out on the water and you boat breaks down or runs out of gas, this coverage will cover the cost of: getting you gas, soft un-groundings, towing your boat back into shore, jump starts and more. Don’t go without this coverage. Getting your boat towed on the water can be expensive.
  2. Wreckage Removal: If your boat sinks, and it is required by law to remove it, this coverage pays up to the liability limits of your policy to bring your boat to the surface and remove it from the water.
  3. Fuel Spill Cleanup: If you boat sinks or simply leaks fuel into the water, this coverage pays to clean up the fuel. The amount paid depends on your liability limits on your policy. Be sure you get enough liability insurance.

Owning a boat is a great adventure and the memories built on them are second to none! Give yourself the peace of mind by purchasing a boat insurance policy that not only protects you, but also protects those around you and your passengers. Many optional coverages exist and we can assist you in understanding what each of them means and find the right insurance policy for you.